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Stick with me on this – all will become clear! So, I suspect we all have the same conversations at parties when making small talk with people you’ve just met – “…and what do you do?” There’s the standard work answer: “We help banks make the right technology purchases for their business. We start with […]

Mar 16th, 2015 | Filed under Banking, Corporate Banking

I’m on a plane over the Arabian Sea collecting my thoughts after a packed week in Trivandrum, Bangalore and Mumbai. The impetus for my trip was the honor of presenting at Suntec’s User Meet on the occasion of its 25th anniversary. The clients who attended were extraordinarily open about their stories and presented extremely compelling […]

Mar 16th, 2015 | Filed under Banking, Corporate Banking, Retail Banking

There have been a number of reports in the UK since the beginning of the year heralding a cashless Britain, suggesting that cash “dies” this week. Of course, I’m being somewhat tongue in cheek, but it was suggested that February 2015 would be the last month that cash was king. That’s true in many ways […]

Mar 4th, 2015 | Filed under Banking, Corporate Banking, Retail Banking

Celent’s Innovation and Insight Day is about a month away, and I couldn’t be more excited. We have great external speakers bookending the day, and we’ll be exploring exciting technology implementations with 18 Model Banks in five categories (plus Celent’s Model Bank of the Year): Digital Omnichannel Legacy and Ecosystem Transformation Innovation and Emerging Technologies […]

Feb 18th, 2015 | Filed under Banking, Corporate Banking, Events, Retail Banking

It’s 2015, the mid-point of the decade and a good time to start looking at major trends in Asian financial services over the next five to ten years. One of the major themes will be regional integration, which is another way of saying the development of cross-border markets. There are at least two important threads […]

As we highlighted in our recent report The Update on EMV Migration in the US: Leaving the Station and Building up Steam, the US market is finally making a strong progress towards EMV. While many of the barriers we discussed in the past have been dismantled, there are still challenges that remain. One such challenge […]

Jan 23rd, 2015 | Filed under Banking, Corporate Banking, Retail Banking

I travel. A lot. And in the spirit of full disclosure, Delta and Starwood are my go-to airline and hotel chain. It helps that they have a mutually reinforcing arrangement whereby I receive miles for my Starwood stays and SPG points for my Delta flights. It just so happens that I’d already settled on these […]

Jan 8th, 2015 | Filed under Banking, Corporate Banking, Retail Banking

Everyone in banking is talking about “Digital.” Celent has hosted fascinating roundtables on the topic, and it’s the basis of one of our three themes. And yet, there’s a startling lack of consensus on what Digital means. There’s a famous proverb of a group of people in a dark room who touch different parts of […]

Dec 30th, 2014 | Filed under Banking, Corporate Banking, Retail Banking

How much savings in back-end processing costs do real-time core banking systems really offer? A 2011 Celent report entitled Why Change Cores?  was written in the wake of the news that BBVA Compass had decided to convert to Accenture’s Alnova real-time core platform.  At the time, the analyst community seemed to agree that we were […]

Dec 22nd, 2014 | Filed under Banking, Corporate Banking, Retail Banking

Three things came across my Twitter feed the same afternoon. Consider the following and see if you think they are related: “When we depend too much on our GPS, we lose the will and skill to explore.” Tom Peters via Twitter, 20 November 2014 “A creative person is by definition inefficient. She/he is wandering along […]

Nov 20th, 2014 | Filed under Banking, Corporate Banking, Retail Banking